CONSENT FOR ELECTRONIC DOCUMENTS UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Introduction

The terms "you" and "your" refer to a consumer who submits a credit application ("Application") to obtain a loan in connection with RoadLoans auto loan through Santander Consumer USA Inc. ("we,""us," and "our"). By agreeing to receive information from us electronically, you will receive certain disclosures, notices, information and documents related to your Application and loan ("Documents") electronically, which may include through our web site(s), other web sites related to the Application, and your email address. The Documents you receive from us electronically will include, but are not limited to, the Application, this Consent for Electronic Documents, the Consent for Sharing and Use of Information, our Privacy Policy, the Consent for SMS/Texting, the Telephone Consumer Protection Act notice and notices of our credit decision about your Application. This Consent for Electronic Documents informs you of your rights regarding receiving these Documents electronically. You will be unable to submit an Application unless you consent to receiving Documents electronically. This consent applies to the financing transaction you are requesting and all documents and records that relate to it.

Hardware and Software Requirements

Before you decide to receive the Documents electronically, you must determine if you have the necessary hardware and software described below to access and retain the Documents. To access the Documents, you will need a working email address, Adobe Acrobat Reader, and a computer or other access device that can access the Internet using a web browser. To retain the Documents, the computer or access device must allow you to download and save Documents to a hard drive or external storage media, print web pages as well as embedded HTML files, or both. You should save and/or print this page to be sure you have the necessary hardware and software.

Withdrawing Consent

You may withdraw your consent to receive Documents electronically at any time by contacting us by telephone at 888-276-7202. If you do, we will continue the Application and loan process in non-electronic format at no charge to you. If you decide to withdraw your consent, any Document that we previously provided to you as an electronic Document will remain valid, enforceable, sufficient for its intended purpose, and unaffected by the withdrawal of your consent. If you decide to withdraw your consent for electronic Documents, you will not have the option later to receive Documents from us electronically.

Copies

If you wish to obtain a paper copy of any of the Documents, you may call us by telephone at 888-276-7202 and request a copy at no charge.

Updating Your Contact Information

To update your email address or mailing address, contact us by telephone at 888-276-7202.

CONSENT AND ACKNOWLEDGMENT

BY COMPLETING ALL REQUIRED FIELDS IN YOUR APPLICATION, SELECTING ''YOU READ AND AGREE TO THE CONSENT FOR ELECTRONIC DOCUMENTS," AND CLICKING THE "SUBMIT APPLICATION" BUTTON ON OUR WEBSITE APPLICATION PAGE, YOU ACKNOWLEDGE AND AGREE:

(1) THAT YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY AND CAN ACCESS AND RETAIN THOSE DOCUMENTS;
(2) THAT YOU CAN RECEIVE AND READ EMAIL MESSAGES SENT TO THE EMAIL ADDRESS YOU PROVIDE TO US;
(3) THAT YOU CAN ACCESS INFORMATION PROVIDED ELECTRONICALLY AT OUR WEB SITE AND OTHER WEB SITES RELATED TO YOUR APPLICATION;

(4) TO RECEIVE DOCUMENTS ELECTRONICALLY AND TO STORE OR PRINT THOSE DOCUMENTS FOR YOUR RECORDS;
(5) THAT THE ACTIONS DESCRIBED HERE OR ON THE DOCUMENTS WILL SERVE AS YOUR ELECTRONIC SIGNATURE ON ANY SUCH DOCUMENTS; AND
(6) THAT YOU ARE PROVIDING YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM US

UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT, AND INTENDING THAT THIS LAW APPLY TO YOUR TRANSACTIONS WITH US.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Santander Consumer USA Inc. is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness.

Under the Equal Credit Opportunity Act (ECOA), Santander Consumer USA is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant is of legal age), income derived from public assistance and the fact that the applicant has—in good faith—exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint).

If a mobile number is provided, we may text you information about your application.

RoadLoans does not charge to send or receive text messages as part of our application process. However, message and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.

Once your mobile device has been activated, you may reply STOP to RoadLoans (60379) or call (888) 276-7202 to opt-out of the service. We will only send you updates on the status of your application. To request additional information, text HELP to the message you receive or contact us by telephone at (888) 276-7202.

We may modify or terminate our text messaging services from time to time for any reason and without notice, including the right to terminate text messaging without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms of Use from time to time without notice. Please review these Terms of Use from time to time so that you are timely notified of any changes.

Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. SMS Statement Notification is provided for your convenience only.

To ensure that consumer’s inquiries are handled promptly, courteously, and accurately, some of the phone calls between you and us or any of our affiliates, agents, assigns and service providers, may
be monitored and recorded by us and any of our affiliates, agents, assigns and service providers, to enhance service to you. You consent to this monitoring and recording.

You agree that, in order for us to service this contract or to collect any amounts you owe, that Santander Consumer USA may from time to time make calls and/or send text messages to you at any
telephone number associated with my account, including wireless telephone numbers that could result in charges to you. The manner in which these calls or text messages are made to you may
include, but is not limited to, the use of prerecorded/artificial voice messages and/or automatic telephone dialing system. You further agree that in order for us to service this contract or to collect any
amounts you owe, that Santander Consumer USA may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. Consent may be revoked at any time by any reasonable means.

Terms of Submitting Application

The terms “you” and “your” refer to each consumer applying for a RoadLoans auto loan made by Santander Consumer USA Inc. (“we,” “us,” and “our”).

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

You understand that a RoadLoans loan is available only through participating dealers. If you are preapproved, you must contact a dealer to complete the loan transaction. We will share your application with the dealer selected. Our approval, however, may be used at any participating dealer (please see our website for more participating dealers). Our preapproval may be affected by the vehicle you select (e.g., vehicle age and mileage), any trade-in vehicle, the amount of your cash down payment and your creditworthiness.

You understand that this is an application for a preapproval of a loan and that it may not provide sufficient information to make a final credit decision. Any preapproval is subject to final credit approval, factors that are not available at the time of the online credit application and verification of identity and all information provided.

By clicking the "Apply Securely Now" button below, you certify the truth and completeness of the information provided and that you are at least 18 years of age. You agree that we (and the dealer) may obtain credit reports about you to process your application and for legitimate purposes related to any RoadLoans auto loan you might receive (such as reviewing, collecting, and servicing the loan). Upon your request, we will inform you whether we requested credit report and provide the name and address of the consumer reporting agency that furnished the report. You also agree that we may verify your employment, income, and any other relevant information related to your application, and that we will retain the application whether or not credit is extended. You understand that a preapproval of a RoadLoans auto loan may only be available for preapproved applicants who purchase automobiles from the inventory of participating dealers.

Our Privacy Notice, SMS/texting Disclosure, Telephone Consumer Protection Act Disclosure and [Fair Lending Disclosure] are linked at the bottom of this page. You should read these materials because they provide you with important information.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

By clicking the “Apply Securely Now” button below, you agree that we may obtain credit reports about you to process your application and for legitimate purposes related to any RoadLoans auto financing you might receive (such as reviewing, collecting, and servicing the financing). Upon your request, we will inform you whether we requested credit report and provide the name and address of the consumer reporting agency that furnished the report. You also agree that we may verify your employment, income, and other relevant information related to your application. You understand that a RoadLoans auto financing may only be available for approved applicants who purchase automobiles from the inventory of select dealers located in your state.

Consent for Sharing and Use of Information

Please read this information carefully and print a copy and/or retain this information electronically for future reference. The terms "You" and "your" refer to the consumer who submits an application for preapproval of an auto loan ("Application") with RoadLoans made by Santander Consumer USA Inc. ("we" "us" and "our").

You agree that:

1. We may, after preapproving your Application, disclose the following nonpublic personal information about you to nonaffiliated automobile dealers and nonaffiliated financial institutions or third parties participating in our RoadLoans program:

Identification and contact information about you that we received from your Application and/or related credit forms, such as your name, mailing address, email address, and telephone number; information about the vehicle(s) you may want to purchase that we received from your Application and/or related credit forms; and

Information about your transactions, experiences, and dealings with us, such as the amount, terms, conditions, and status of the loan we have preapproved based on your Application and/or related credit forms; and

2. We may, if we are unable to preapprove your Application , disclose the following nonpublic personal information about you to nonaffiliated financial institutions , creditors or third parties that may be able to arrange or provide you with dealer financing or an automobile loan that we cannot or will not provide:

Information about you that we received from your Application and/or related credit forms, such as your name, mailing address, email address, Social Security number, driver's license number, telephone number, income, assets and liabilities;

Information about you that we received from a consumer reporting agency, such as your consumer report and credit score.

You understand and agree that we are not responsible for any services that might be provided by nonaffiliated automobile dealers, financial institutions, creditors, or third parties.

You agree the nonaffiliated automobile dealers, financial institutions, creditors or third parties that receive the nonpublic personal information described above may use that information to contact you for their own business purposes to process your credit application, and that they may obtain additional information about you, including consumer reports, for this purpose.

You understand that your information sharing consent will remain in effect until you revoke or modify it. You may revoke your information sharing consent at any time.

We will maintain a true and correct copy of this Consent for Information Sharing. You are entitled to a copy of this Consent for Information Sharing upon request. We recommend you keep a copy of this Consent for Information Sharing for your own records.

Please confirm that you accept these disclosures.

I read and agree to the above disclosures including to have my nonpublic personal information shared with nonaffiliated automobile dealers and nonaffiliated financial institutions or third parties as disclosed above.

Vehicles to be financed must be nine years old or newer with fewer than 120,000 miles. For example, in calendar year 2019,
only model years 2010 and newer are eligible.

Refinance

Vehicles to be refinanced must be seven years old or newer with fewer than 105,000 miles.For example, in calendar year 2019,
only model years 2012 and newer are eligible.

Due to legal prohibitions on using a vehicle title to secure a loan covered by the Military Lending Act, members of the active military and their spouses or dependents unfortunately are not eligible for our refinance loans.